Could IPP & CIC be possible for HIV Positive people? …

Unusual Risks, the medical financial advisers are today announcing the second part of their survey into the Income Protection and Critical Illness Cover needs of the HIV Community. In a recent study they established that 90% of respondents would consider taking out Income Protection or Critical Illness Cover if it became available in the market place.

They are today releasing findings that suggest the UK Insurance Industry should consider offering Income Protection and Critical Illness Cover to people living with HIV. In their latest study Unusual Risks established that 89% of respondents had taken less than 7 days off work in the last year due to sickness, with 74% reporting they had taken less than the national average of 4 days or less.

Speaking about their survey, Chris Morgan, Lead Financial Adviser of Unusual Risks said;

‘Over the last 12 months we have been conducting a detailed survey into the time taken off work by HIV Positive People due to sickness and illness. The survey was conducted at the heart of the HIV Community through the readership of Baseline Magazine and holders of HIV Life Assurance policies that had been taken out since the products were introduced in 2009’.

‘Since the new Life Insurance products were launched HIV Positive people have been able to protect their mortgages, families, children, partners and businesses. It is now time to consider if other financial products such as Income Protection and Critical Illness Cover could be offered to people living with HIV?’.

‘The intention of this survey is to bring attention to the positive effects that HIV medications have had on the work and long term sickness records of HIV Positive people in the UK. We would like to encourage the UK insurance Industry to enter into a dialogue over these issues with appropriate stakeholders from within the HIV Community’.

The Unusual Risks survey came up with several other interesting statistics that could be useful for assessing if IPP and CIC products could be offered within the HIV Community. 90% of respondents reported that the duration of their sickness had not been for more than 7 days and 87% reporting they had either not been off work, or their sickness was not HIV related.

Chris Morgan the lead financial adviser at Unusual Risks led the campaign that resulted in the introduction of Life Assurance for HIV positive people in the UK. He was part of the Working Group that co-wrote the HIV and Insurance guidelines used by insurers and he was also responsible for the removal of the Gay Question from Life Assurance proposals back in 2005.

Read the media responses here …

The Actuary – “Insurers urged to offer more cover to HIV Positive People”

Cover Magazine – “Substantial growth in interest for IP & CI amongst HIV Positive People”

If you require more information on HIV Life Assurance, HIV Life Insurance, HIV Mortgages or Hepatitis C Life Assurance, Hepatitis C Life Insurance, Hepatitis C Mortgages you can contact Unusual Risks Mortgage & Insurance Services on 0845 474 3075, or email at or on the web at

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